HARBOR POINTE
State-Chartered • DULUTH, Minnesota • Est. 1933
Quick Facts
- Charter Number
- #60207
- Type
- State-Chartered
- Established
- 1933
- Headquarters
- DULUTH, Minnesota 55816
- Address
- 11 W 2ND ST, PO BOX 161558
- Branches
- 4
- ATMs
- 3
- Members
- 8,014
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
8,014 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | HARBOR POINTE |
|---|---|
| Total Assets | $152.4M |
| Members | 8,014 |
| Loans Outstanding | $126.6M |
| Shares & Deposits | $131.5M |
| Net Worth | $20.5M |
| Net Worth Ratio | 13.43% |
| Loan-to-Share Ratio | 96.3% |
| Delinquency Rate | 0.27% |
| Net Income | +$2,066,821 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 3 ATMs
Downtown Main Office
Main Office11 W 2nd St
Duluth, MN 55802-2014
Kenwood Branch
1515 Kenwood Ave Ste 200
Duluth, MN 55811-2655
Miller Hill Branch
4433 Trinity Rd
Duluth, MN 55811
Fiserv- Integrasys- Portico
255 Fiserv Dr
Brookfield, WI 53045-5815
Who Can Join HARBOR POINTE?
Membership Type: Community
Membership eligibility for HARBOR POINTE may vary. Contact the credit union directly to confirm qualification requirements.
Contact HARBOR POINTE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Minnesota RankingsFrequently Asked Questions
Yes. HARBOR POINTE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, HARBOR POINTE has 8,014 members and a potential membership field of 110,000 people.
HARBOR POINTE's net worth ratio is 13.43% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.4%, HARBOR POINTE meets this threshold.
HARBOR POINTE operates 4 branch locations and has access to 3 ATMs. The main office is located at 11 W 2nd St, Duluth, MN 55802-2014.
HARBOR POINTE was established in 1933. It is a state-chartered credit union chartered under charter number 60207. The institution has been serving members for 93 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or HARBOR POINTE. All financial data is for informational purposes only.